Banking in Bulgaria
Best banks in Bulgaria for expats & digital nomads
Opening a bank account is one of the first things you do after moving to Bulgaria. Here are the accounts that work for newcomers and non-residents, plus the fintech we would set up before you fly.
How to open a bank account in Bulgaria
A passport or ID and, for many banks, a Bulgarian personal number and address are needed; some accept non-residents in-branch. Bulgaria adopted the euro in 2026, so newer accounts are denominated in euro.
Wise multi-currency account
Wise is the option we recommend for almost anyone moving to Bulgaria: hold and convert 40+ currencies, get local account details to be paid like a local, and send money at the real exchange rate with low, transparent fees. It works before you even arrive, so you can receive income and pay deposits while your local account is still being set up.
Open a free Wise account →Affiliate link: we may earn a commission at no cost to you. Wise is a fintech, not a bank; balances are safeguarded, not covered by deposit insurance.
Top banks in Bulgaria
UniCredit Bulbank
traditionalBulgaria's biggest bank by assets; part of Italy's UniCredit.
Postbank (Eurobank Bulgaria)
traditionalGreek Eurobank group; strong retail and digital services.
United Bulgarian Bank (UBB)
traditionalPart of Belgium's KBC group; broad product range.
First Investment Bank (Fibank)
traditionalOne of the largest Bulgarian-owned banks.
International accounts & neobanks
Available EEA-wide; widely used in Bulgaria.
Bulgaria is a confirmed operating market for bunq.
Receiving accounts for freelancers in USD/EUR/GBP.
Availability changes; confirm on each provider's site.
Next steps in Bulgaria
See the full Bulgaria tax, cost and visa profile, or compare Bulgaria with other destinations. Not sure where to go yet? Take the finder quiz.